The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$71,398
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,619
−HK$2,256/mo
Today · 4.125%
HK$75,875
baseline
▲ 0.50% · 4.625%
HK$80,492
+HK$4,617/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$151,750/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,430
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,560
−HK$2,161/mo
Today · 4.125%
HK$83,721
baseline
▲ 0.50% · 4.625%
HK$88,134
+HK$4,413/mo
Deposit HK$15.66M · loan HK$15.66M · min. income ≈ HK$167,442/mo (50% DSR)
Upfront cash ≈ HK$16.99M (deposit + AVD stamp duty HK$1,330,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,678
−HK$5,372/mo
▼ 0.25% · 3.875%
HK$88,343
−HK$2,707/mo
Today · 4.125%
HK$91,050
baseline
▲ 0.50% · 4.625%
HK$96,591
+HK$5,541/mo
Deposit HK$12.52M · loan HK$18.79M · min. income ≈ HK$182,100/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,330,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,316
−HK$5,149/mo
▼ 0.25% · 3.875%
HK$97,872
−HK$2,593/mo
Today · 4.125%
HK$100,465
baseline
▲ 0.50% · 4.625%
HK$105,761
+HK$5,296/mo
Deposit HK$12.52M · loan HK$18.79M · min. income ≈ HK$200,930/mo (50% DSR)
Upfront cash ≈ HK$13.86M (deposit + AVD stamp duty HK$1,330,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,957
−HK$6,269/mo
▼ 0.25% · 3.875%
HK$103,067
−HK$3,159/mo
Today · 4.125%
HK$106,226
baseline
▲ 0.50% · 4.625%
HK$112,689
+HK$6,463/mo
Deposit HK$9.39M · loan HK$21.92M · min. income ≈ HK$212,452/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,202
−HK$6,007/mo
▼ 0.25% · 3.875%
HK$114,184
−HK$3,025/mo
Today · 4.125%
HK$117,209
baseline
▲ 0.50% · 4.625%
HK$123,388
+HK$6,179/mo
Deposit HK$9.39M · loan HK$21.92M · min. income ≈ HK$234,418/mo (50% DSR)
Upfront cash ≈ HK$10.72M (deposit + AVD stamp duty HK$1,330,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,517
−HK$8,059/mo
▼ 0.25% · 3.875%
HK$132,514
−HK$4,062/mo
Today · 4.125%
HK$136,576
baseline
▲ 0.50% · 4.625%
HK$144,886
+HK$8,310/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$273,152/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,973
−HK$7,725/mo
▼ 0.25% · 3.875%
HK$146,808
−HK$3,890/mo
Today · 4.125%
HK$150,698
baseline
▲ 0.50% · 4.625%
HK$158,641
+HK$7,943/mo
Deposit HK$3.13M · loan HK$28.18M · min. income ≈ HK$301,396/mo (50% DSR)
Upfront cash ≈ HK$4.46M (deposit + AVD stamp duty HK$1,330,737 · Scale 2, in force from 26 Feb 2026)